Is Richland County, MT in a flood zone?
FEMA's National Risk Index puts Richland County's flood hazard at the 25.1th percentile nationally — among the lowest flood hazard in the country — driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.1 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Richland County's flood-insurance compliance gap
Out of 186 homes FEMA counts inside Richland County's mapped flood zone, 9 carry the flood policy federal law requires there — 4.8% compliance, short of full coverage. Across all residential structures in Richland County, not just the ones FEMA mandates, 0.2% carry an NFIP policy — most flood damage nationally happens outside the mapped high-risk zone, so that broader number matters too.
Where Richland County ranks
Richland County sits at rank 2400 of 3144 counties on FEMA's flood hazard scale (1 is worst) and rank 2343 of 3144 by population (1 is biggest). Richland County, Montana covers 2,084.556 square miles and counts roughly 11,028 residents.
Your street may differ from Richland County's average
Across all of Richland County's 6,400 residential structures, 12 carry an NFIP policy today — a county-wide count that still can't tell you one address's own mapped zone.
More on how this number was built
The methodology guide shows exactly which FEMA and Census tables feed Richland County's numbers. The guide to what the Special Flood Hazard Area actually means explains why the mandatory-insurance rule exists and who it applies to.